Tacherus
29d ago
No 80% equities so overall I’m doing ok. 20% is bonds mainly for rebalancing which I do a few times a year.
Tacherus
29d ago
30 in FZILZ and 50 in FZROX. I understood this split to be pretty standard in boglehead circles I thought. 20 in bonds for rebalancing basically then 30 in international equities and 50 in US.
Right now I’m mostly in money market instead of bonds since I got spooked by low total yields. Trying to figure out what makes sense.
Tacherus
30d ago
Total yield and yeah it looks like everything from 2021 through 2022 is down ~15%. The more recent lots are mostly green.
I am not I'm afraid, I set up a 20-30-50 split back in like 2018 with the goal of not thinking about it. As you say, all my 2020 and 2021 purchases are down ~15% :(
Also I know it's turned out bad, I just wasn't sure why and wanted to figure out if it's just a short-term thing and I should stay the course or whether I need to re-evaluate holding that much in bonds. At the time it was 20-30-50 but at the moment I've been holding off buying more so it's only about 5% of my portfolio.
Tacherus
30d ago
Can someone help me think about bonds properly? I’ve been buying FTBFX as part of a 20-30-50 portfolio and over the past like 5+ years my return is 0.25% or so—I’d have been better off with just money market. Are my expectations off? I get keeping some ballast for rebalancing but the bonds are just melting away it seems with inflation.
Tacherus
3mo ago
That’s an interesting idea though I’m curious which companies a citizen jury would agree can “dictate terms to the average American family.” Do you have any specific ones in mind?
Tacherus
3mo ago
Is it always obvious and objective how to define a given market and therefore market share?
I’m thinking of like Amazon which has a huge share of “e-commerce” but not a huge share of “retail.”
Tacherus
3mo ago
This is amazing, gonna have to set aside some time to engage with it properly. I noticed near the end you mentioned Schooner seems to be the key since everything ties back to that so just from a readability perspective might be worth calling that out earlier.
Thanks, this clearly took a lot of work to put together!
Tacherus
4mo ago
Yeah I think that’s a good comparison.
I also find it a bit mysterious. It seems like the sycophancy is a real fork—I can’t stand it but some people really like confirmation and validation I think.
Tacherus
4mo ago
I think there’s a category of person who finds the experience of talking with the llm deeply compelling.
Using it to write an essay and sharing it feels like the equivalent of a friend who told you a story you’re trying to repeat elsewhere. It’s likely deeply uninteresting to everyone. In the same way it’s assuming the experience of making it will feel the same as reading it. It’s just repeating a conversation though at best.
Tacherus
5mo ago
So hypothetically, if I think the President is giving illegal orders to the military, or might, it’s out of bounds to say that to soldiers?
The closest I can get to agreeing is seeing it as an escalation and playing with fire. Something like “a soldier’s duty to disobey illegal orders is extremely serious and can have extremely serious consequences don’t fuck around with it as part of your political posturing.” Is that accurate?
Tacherus
5mo ago
You’re right and I’ve revised my view after watching the videos. Somehow what I was picturing from description alone was pretty different.
Tacherus
5mo ago
You’re right and I’ve revised my view after watching the videos. Somehow what I was picturing from description alone was pretty different.
Tacherus
5mo ago
You’re right and I’ve revised my view after watching the videos. Somehow what I was picturing from description alone was pretty different.
Tacherus
5mo ago
I am also not a soldier but my understanding was we actually have a pretty strong tradition of relying on the judgment of ground troops as to whether or not an order is illegal.
Tacherus
5mo ago
Has that been confirmed or you’re going off the video? It looks like it from the far away angle but I don’t feel certain from that alone.
Tacherus
5mo ago
I didn't follow that one too closely but it seemed like what he said is just...true, isn't it? Was the issue the implication?
Tacherus
5mo ago
You’re right the point that out—I’m being brief because I’m on my phone but my full complaint was it seems a bit chickenshit to make the game life or death and then appeal to fearing for your life. If you didn’t want your life at risk don’t step in front of the car.
Tacherus
5mo ago
I think you’re conflating “made a bad choice” with “escalating.” She didn’t make the options life or death, though she evidently chose the latter (from watching it it’s not clear there was any intent to harm him).
He helped set the terms. I’m not saying it’s all on him but I’d be pretty surprised if he doesn’t regret stepping in front of that car.
Tacherus
5mo ago
I made no mention of a right to escape. I’m just observing that it’s silly to unnecessarily make an escape attempt put your life at risk then hide behind fear for your life when an easy to anticipate behavior occurs.
I think it was dumb to run don’t get me wrong but I don’t see why we should accept “fear for my life” as some kind of blanket excuse.
The police officer changed the outcomes from { arrest, gets away } to { arrest, someone dies }
I agree she chose badly but I still think it was stupid to turn this into a situation where someone might die.
If he weren’t in front of the car and she’d fled would you endorse him shooting at the car to stop her?
Ah ok that makes sense.
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